Monthly payments are evil. They tie you to the ground and don't let you take risks.
Each month, when your paying 130 for your phone, 50 for the gym, 60 for TV/internet, 200 for your car, 1000 for rent, 50 for car insurance, 50 for health insurance.50 for the credit card bill, 200 for student loans, 200 for new car brake pads... by the end of the month, you aren't left with very much.
So if you want to stop living month by month, running out of money at the end of every 2 weeks, kill the monthly payment.
Turn the TV off because that's just garbage. Exercise outside instead of the gym. Share the Wifi with the neighbors. Buy a used car for $2,000, use it until it dies, do your own oil change. Live in your buddy's garage, fix it up, split the rent. Pay back that student loan fast. Don't borrow money. Don't buy the newest Iphone.
With this highly complex financial plan, you should be able to live cheaply and start making money in no time!

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